The key difference lies in who the demand is sent to. A Stowers demand is directed to the at-fault party’s insurance company, holding them responsible for settling within policy limits. 

On the other hand, a PIP (Personal Injury Protection), UM (Uninsured Motorist), or UIM (Underinsured Motorist) demand is sent to your own insurance company under your first-party coverage.

Regarding the UIM/UM/PIP, before deciding which type of demand to send, it's important to review the declaration page of the insurance policy to determine what types of coverage are available.